Financial insights of FCBM

MyFinsight

Income Statement	2026-06-30
Service charges on deposit accounts	5,538
Bank-owned life insurance income	636
Gain on sale of securities, net	0
Other noninterest income	501
Total noninterest income	6,675
Loans, including fees	41,592
Investment securities	3,786
Other interest, dividends, and short-term investments	1,468
Total interest income	46,846
Deposits	19,951
Borrowings	293
Subordinated debt	1,014
Total interest expense	21,258
Net interest income	25,588
Provision for credit losses - loans	943
Provision (benefit) for credit losses - unfunded commitments	-670
Total provision (benefit) for credit losses	273
Net interest income after provision for credit losses	25,315
Compensation and benefits	11,662
Occupancy, software and equipment	4,013
Data processing	1,738
Federal deposit insurance premiums	650
Service fees	95
Professional fees	3,183
Supplies	182
Director fees	444
Amortization of intangibles	692
Consumer fraud and transaction losses	1,432
Other	1,411
Total noninterest expense	25,502
Income before income tax expense	6,488
Income tax expense	1,392
Net income	5,096

Basic EPS	0.21
Diluted EPS	0.2
Basic Average Shares	24,802,799
Diluted Average Shares	25,235,701

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.